1. Introduction
Welcome to Darrell Smith ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your use of our website and services related to life insurance. By accessing or using our services, you agree to be bound by these Terms.
2. Services
We provide life insurance services, including but not limited to, policy consultation, application processing, underwriting, and claims assistance.
3. Eligibility
By using our services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are using our services on behalf of another person or entity, you represent and warrant that you are authorized to do so.
4. User Responsibilities
You agree to:
Provide accurate, current, and complete information during the registration and application process.Use our services in compliance with all applicable laws and regulations.Not use our services for any unlawful or prohibited purpose.
5. Fees and Payment
Certain services may require payment of fees. All fees are disclosed upfront, and you agree to pay all applicable fees in connection with the services you select. We may receive compensation from insurance carriers and partners for successful placements.
6. Privacy Policy
Your use of our services is also governed by our Privacy Policy, which can be found here. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.
7. Intellectual Property
All content and materials on our website, including text, graphics, logos, and images, are the property of Darrell Smith or our licensors and are protected by intellectual property laws. You may not use, reproduce, or distribute any content from our website without our prior written permission.
8. Disclaimer of Warranties
Our services are provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or free from viruses or other harmful components. We disclaim all warranties, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.
9. Limitation of Liability
To the fullest extent permitted by law, Darrell Smith shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:
Your use of or inability to use our services.
Any unauthorized access to or use of our servers and/or any personal information stored therein.
Any interruption or cessation of transmission to or from our services.Any bugs, viruses, trojan horses, or the like that may be transmitted to or through our services by any third party.
Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through our services.
10. Indemnification
You agree to indemnify, defend, and hold harmless Darrell Smith and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including, but not limited to, reasonable attorney's fees and costs, arising out of or in any way connected with:
Your access to or use of our services.
Your violation of these Terms.
Your violation of any rights of another party.
11. Termination
We reserve the right to terminate or suspend your access to our services at any time, without notice and for any reason, including, but not limited to, your breach of these Terms.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Illinois, United States of America, without regard to its conflict of law principles. Any disputes arising out of or related to these Terms shall be resolved exclusively in the state or federal courts located in Illinois.
13. Changes to These Terms
We may update these Terms from time to time. We will notify you of any changes by posting the new Terms on our website. Your continued use of our services after any changes signifies your acceptance of the updated Terms.
14. Contact Us
If you have any questions or concerns about these Terms, please contact us at:
Darrell Smith
Calumet City, Illinois 60409